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What motorcycle insurance coverage do I need?

Riding a motorcycle can be a year-round hobby for many people, no matter where they live. It's understandable that the opportunity to ride a motorcycle in the winter in New Hampshire doesn't come around often. When it does, you should be properly covered by an your insurance policy. Insurance coverage for a motorcycle is much different than the coverage for your car. So, what motorcycle insurance coverage do you need?

Comprehensive and collision coverage is one of the most common types of motorcycle insurance policies available. This type of coverage covers the replacement of your motorcycle should you be involved in an accident. This coverage also replaces your bike or protects it from damage caused by natural disasters.

All motorcycle owners should have bodily injury and property damage liability coverage on their policy. This part of the policy will help pay for damage to other property or vehicles if you happen to be at fault. It can also help pay for legal expenses should you be faced with a lawsuit.

Your motorcycle insurance policy should also have medical payment coverage. Regardless of who is at fault in a motorcycle accident, this type of coverage pays for the medical bills for any passengers on your bike who are injured in an accident.

Underinsured or uninsured motorcycle coverage is a policy that protects you against motorcycle riders who either do not have enough of their own insurance or are not insured at all.

If you've been involved in a motorcycle accident in Portsmouth, you should speak with an experienced personal injury attorney as soon as possible after the crash. He or she will be able to advise you of your rights and explain how the insurance process will work.

Source: 1 & Only Insurance Services, "Basic Motorcycle Insurance Coverages," Jan. 03, 2018

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